Amendment to the Individual Life Application Standards - Interstate ...
Amendment to the Individual Life Application Standards - Interstate ...
Amendment to the Individual Life Application Standards - Interstate ...
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Date: 7/28/08<br />
As Recommended by <strong>the</strong> Product <strong>Standards</strong> Committee<br />
Highlighting reflects amended <strong>to</strong> <strong>the</strong> 2/28/07 Adopted Standard<br />
onset; dates of consultations, tests and treatment; date of surgery; medications<br />
prescribed; date of recovery.<br />
F. MEDICAL EXAM<br />
If <strong>the</strong> medical exam is considered part of or a continuation of <strong>the</strong> application and attached<br />
<strong>to</strong> <strong>the</strong> policy at issue, <strong>the</strong>n <strong>the</strong> following standards apply:<br />
(1) The application may include a separate section for questions <strong>to</strong> be answered by<br />
<strong>the</strong> proposed insured and a report of a paramedical or medical exam conducted by<br />
a medical professional designated by <strong>the</strong> company.<br />
(2) For <strong>the</strong> questions <strong>to</strong> be answered by <strong>the</strong> proposed insured, <strong>the</strong>se may include <strong>the</strong><br />
same questions as those included in <strong>the</strong>se standards for Proposed Insured,<br />
Tobacco Use, Personal Physician or Medical Facility, Prescribed Medication and<br />
Diet and Medical Questions. For “yes” answers, <strong>the</strong> same type of details<br />
requested in those sections may also be requested. The proposed insured will be<br />
required <strong>to</strong> sign <strong>the</strong> section of questions <strong>to</strong> confirm that <strong>the</strong>y have read <strong>the</strong><br />
answers as written before signing, that <strong>the</strong> answers are true and complete <strong>to</strong> <strong>the</strong>ir<br />
best knowledge and belief, and that <strong>the</strong>re are no exceptions <strong>to</strong> any answers o<strong>the</strong>r<br />
than as written, or statements <strong>to</strong> similar effect.<br />
§ 5 ADDITIONAL STANDARDS FOR FRATERNAL BENEFIT SOCIETIES<br />
A. GENERAL<br />
The application may include <strong>the</strong> following:<br />
(1) MEMBERSHIP<br />
The application may require <strong>the</strong> membership information a fraternal determines it<br />
needs <strong>to</strong> administer <strong>the</strong> insurance plan, such as membership status (new or<br />
existing), lodge number, term of membership, state of membership, etc.<br />
© IIPRC 19